PNB
PNB Credit Card
Punjab National Bank
Affordable banking with essential benefits
Annual Fee₹0 – ₹1,000
Rewards1 reward point per ₹100 spent
Welcome BonusUp to 1,000 reward points
Key Benefits
- Fuel surcharge waiver at HPCL outlets
- Low annual fees
- Easy EMI conversion
- Insurance coverage on purchases
- SMS alerts for all transactions
- Online shopping protection
Eligibility Criteria
Age21 – 65 years
Minimum Income₹15,000/month (salaried) or ₹3 lakhs/year (self-employed)
Credit Score650+ CIBIL score
EmploymentSalaried or Self-employed
Fees & Charges
| Annual Fee | ₹0 – ₹1,000 |
| Joining Fee | ₹0 – ₹500 (often waived) |
| Late Payment Fee | Up to ₹700 |
| Foreign Transaction Fee | 3.5% of transaction amount |
| Cash Advance Fee | 2.5% of amount (min ₹300) |
| Interest Rate | 3.25% per month (39% p.a.) |
Pros & Cons
Advantages
- Very low annual fee
- Easier approval for first-time users
- Good option for building credit history
- Lower interest rate than private banks
- Suitable for low to moderate spenders
Disadvantages
- Limited reward benefits
- No premium lounge access
- Basic mobile app experience
- Fewer co-branded card options
- Lower credit limits compared to private banks
Frequently Asked Questions
PNB Credit Card
- Annual Fee₹0 – ₹1,000
- Joining Fee₹0 – ₹500
- Credit Limit₹15,000 – ₹3,00,000
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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.